Suffolk County and Smithtown Town property record for 109 Caramel Rd, Commack, NY 11725
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acre (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $999,000 (Apr 2025) |
| Tax Bill | $22,166 (2024) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 473489 41.-4-53 |
| Primary APN | 473489 41.-4-53 |
|---|---|
| Alternative APNs |
|
| Lot Area | 43,560 sqft |
|---|
| Street Address | 109 CARAMEL RD |
|---|---|
| City | COMMACK |
| State | NY |
| Zip | 11725-1008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-196101 TC-52 *3601 SEC 2 LOT 53 BRIAN HOMES AT COMMACK |
| Legal Subdivision | BRIAN HOMES |
| Legal Block | 4 |
| Legal Lot Number | 53 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | SMITHTOWN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 135101 |
109 Caramel Rd is owned by an individual who bought it in April 2025.
Source: Suffolk County and Smithtown Town records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2 RACHEL AVE, COMMACK, NY 11725-3310 |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2025 · Amount on File |
| Deed Sale | Apr 17, 2025 · Amount on File |
| Prior Sale | Dec 4, 2012 · Amount on File |
| Deed Book / Page | 13291 / 687 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Recording Date | Apr 17, 2025 |
| Property Address | 109 CARAMEL RD, COMMACK, NY 11725-1008 |
| Document Number | 0132910687 |
| Book / Page | 13291 / 687 |
| Instrument Date | Mar 3, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 RACHEL AVE, COMMACK, NY 11725-3310 |
| Document Number | 0023654477 |
|---|---|
| Date | Apr 17, 2025 |
| Instrument | 23654/477 |
| Name | BANK OF HOPE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Apr 1, 2032 |
| Index | 1-Year CMT |
Source: Suffolk County and Smithtown Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Smithtown Town |
| Unified School District | Commack Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,535 (-) Land $800 Building $7,735 | $1,066,875 (+7.5%) Land $100,000 Building $966,875 | |
| 2024 | $22,166.00 Homeowner's exemption | $8,535 (-) Land $800 Building $7,735 | $992,442 (+10,015.6%) Land $93,023 Building $899,419 |
| 2023 | $8,535 Land $800 Building $7,735 | $9,811 Land $920 Building $8,891 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 109 Caramel Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 109 Caramel Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people · EPA ID NY5110526 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | Asbestos resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
| T-Mobile Fixed Wireless | 100 / 20 |
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